Texas law requires 30/60/25 liability coverage. That protects the other driver — not you. Here is what most Texas drivers actually need.
The state minimum: 30/60/25
$30k bodily injury per person, $60k per accident, $25k property damage. It only pays claims made against you.
Uninsured / Underinsured Motorist
Roughly 1 in 8 Texas drivers is uninsured. UM/UIM pays your medical bills and repairs when the at-fault driver cannot.
Collision and Comprehensive
Collision pays for your car in a wreck; comprehensive covers hail, theft, flood, and animal strikes — critical in Texas storm country.
Personal Injury Protection (PIP)
Covers medical bills and lost wages regardless of fault. Carriers must offer it — you must reject it in writing to opt out.
Written by Zaki Enterprise Advisors — Licensed Insurance & Tax Professionals.
Reviewed by the same Texas advisors who work with our clients on tax preparation, ACA, Medicare, and property & casualty coverage.